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Personally I've never used auto pay for anything since I'd rather not delegate that control.

I'm with you -- I like having the control.

On the other hand, I have (as I suspect many here have) for years used electronic banking. A close friend and neighbor who is retired is "old-fashioned" and snail mails his monthly payments every month. I keep pointing out year after year how much time and postage he'd save going electronic, but somehow he feels he needs that kind of control. It's as if he thinks some little old lady is taking his mailed in check and taking it to the bank herself and depositing it.

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